Millionaire Influencers Blame EVERYONE ELSE After They Grow BROKE

Added: 2026-05-12

[00:00:00]I went from making 120,000 a month just on Twitch. Then it just slowly started to decline from like 60 to 40 grand a month, then 20 grand a month, then 10 grand a month, and then I had a month where I made 2 grand a month. My rent was like 5,000 a month at the time. I would go shopping or like buy food or whatever. I was losing like 10 to 20 grand a month. So, I was noticing a decline in my bank like really quick.

[00:00:21]So, one of the craziest trends that's getting a lot of attention as of late are all these different various influencers that hit it big at one point in their life and now they're completely flat broke because they absolutely did not save a dime of the money that they were earning because they fell into the fallacy of believing that that high income amount that they were getting each and every month was going to last forever and they did not plan for the future. And a perfect example of this is the stable Ronaldo guy that I opened this particular video with who said at one point in time his income had risen to the point where he was making $120,000 not a year but a month. We're talking six figures a month. And he did so for about a year. And now he's completely broke because his income started contracting. And as time went on, his spending didn't reduce. And he ended up in a situation where he's facing a bankruptcy, financial ruination based on the fact that again, he never expected the money to run out. He never expected it to end. Which is a phenomenon that we are quite familiar with in the professional athlete world where you'll see a guy who has a sneaker line. who will be making millions upon millions of dollars in the NBA, MLB, or the NHL. You find out that they're bankrupt and they owe a bunch of money to some place. That again is just a ridiculous sum. I'm thinking of Allen Iverson who ended up owing like 3/4 of a million dollars to Tiffany's while he was filing for bankruptcy because Allen Iverson again just blew through all of his money.

[00:01:48]Well, that exact mindset, the rags to riches and back to rags mindset is exactly what seems to be fueling a bunch of these influencers. And obviously, even though they're dealing with much larger sums of money than even I'm dealing with by orders of magnitude, we can learn lessons from them because essentially this is like the lottery winner phenomenon playing out in front of us, the professional athlete phenomenon. It's just a different aspect of that particular thing. So, we're going to get into this. We are going to break this down. But before we do, I want to thank everybody who supports this channel via actualjusticewarrior.com/join.

[00:02:26]>> I give me the money. Give you give me the money. Okay.

[00:02:30]>> So, how much are you railing in on Only Fans?

[00:02:33]>> Drop it.

[00:02:33]>> Drop it. Come on. Drop it.

[00:02:35]>> Um like the first So, I started May 2021.

[00:02:40]Um >> did you do like a hard launch?

[00:02:42]>> Yeah.

[00:02:43]>> Yeah.

[00:02:43]>> Yep. um until like October, this past October, I would make like like 100 to 150K a month.

[00:02:54]>> And then I made a Tik Tok. So, you know, guys know Anna Paul obviously. So, she made this Tik Tok of her like filming a day in her life as an Only Fans creator.

[00:03:02]And she started it off with like, "So, I'm a sex worker." And I was like, "Oh, that's like great." Like probably it had so many views. I was like, "Oh my god, I want to do that." So, I made like a vlog like and I started it off with that and I vlogged like me getting ready for my only fan shoot and it did soing well like in October, this past October.

[00:03:19]>> Um, so now it's like like 350 a month.

[00:03:24]It's insane.

[00:03:25]>> Are you serious? What are you Well, I guess you go to Harry Styles concerts.

[00:03:29]What else do you do with all this money?

[00:03:31]>> So, the numbers that we're dealing with with these individuals are absolutely insane. That girl was just saying that she was making $350,000 a month. And now at this moment in time, she's broke. And by the way, on her path to going broke, she decided that she was going to make a dramatic announcement, but put it behind a $15 pay wall because she needed to pay her mortgage so badly at one point in time, despite the fact that she was making 350K a month just a short time prior to this, that she needed to monetize her going broke to her audience. again in order to maintain her lifestyle. And by the way, the lifestyle maintenance is one of the absolute core features of these rags to riches and back to rag stories because this girl obviously blew through an enormous amount of money, more money than many of us will see in our entire lives. And to be clear for you guys out there in the audience, I'm doing great.

[00:04:26]I'm doing wonderfully. But I am not doing six figures a month. Nowhere close to that. Nowhere close to half of that.

[00:04:33]But I'm very comfortable. And by the way, my wife works as an attorney in the city of New York, so she makes a good income as well. So obviously, I'm not saying that I'm like this broke person in comparison, thumbing my nose at these wealthy people. What I'm pointing out is that these people are way worse at managing significantly larger sums of money. And the thing is, when you make more income, it can be more forgiving.

[00:04:58]But not if you have this absolutely terrible mindset. Because this girl who was pulling in 350k a month, that meant she was making at one point in time $4.2 million a year. Now, of course, she lives in Los Angeles. And I'm going to assume, even though this can't possibly be true, although it could be. Who knows? These people are absolute idiots that she used an accountant at some point in time to reduce her business expenses so her net income would actually be lower than this. So, she didn't lose 50% of it in taxes in the city of Los Angeles and in the state of California. But let's just for the sake of argument say that she did. She ended up with 2.1 million in take-home.

[00:05:38]Because even with that amount of money, this girl should have never went broke at any point in the future at all whatsoever if she would have just invested it well. Because an S&P 500 index fund, and you'll hear me talk about this a lot, which are lowcost funds that you can open up with like a Fidelity or a Schwab or a Vanguard, returns on average about 10% a year over the course of the last 100 years. In recent years, by the way, these funds have been returning like 14% a year, some of them 17% a year, but we're just going to take the 100red-year average of 10%. You put a million of that in there, you have 1.1 million to try to stretch, which I know would be difficult for many of these influencers. And that money in a single year will earn $100,000 in interest at a 10% rate of return that a normal average everyday person could absolutely live off of. But if you don't touch it for 10 years, then that money will end up turning into about $2.7 million again just from putting it in index funds. And again, if you let it go for even longer, it will compound even more. And essentially, you can live off the interest, live off the dividends.

[00:06:50]You should be living off of less than that. And then the money will compound over and over again. And each and every year, you will be entitled to more in case your income runs out. But the fact is, this girl likely took home after taxes at least $2 million, assuming she was smart enough to save money for her taxes and pay her taxes on time. And she still went broke. And part of the reason why is because, of course, she bought the LA mansion. Of course, she bought a fancy apartment in New York City. Again, two of the most expensive places to live, buying expensive real estate. But again, she thought it was never going to end. So, she didn't invest anything. She didn't save anything. So, what do we see as a result when that money starts to go down? Which, by the way, she ends up blaming on Tik Tok not allowing her to directly link to her Only Fans rather than the normal es and flows of this kind of industry where you're up and you're popular for a certain period of time, only for your popularity to obviously decline, just in the same way that it rose to such prominence in a short period of time. Let's head into downtown and get coffee and pop into shops, but not actually buy anything because I'm broke these days. Y'all guessed it. Someone commented under my video the other day and she was like, "I censor recession." I was like, "You are absolutely right, Girly Pop. Tik Tok doesn't allow me to put my OF link in my bio anymore." So, I am now broke.

[00:08:09]I bet a lot of people are going to be pleased to hear that. I am not pleased.

[00:08:13]I've been dying to go in this store.

[00:08:16]Okay, I need breakfast and a fat check.

[00:08:18]I kept walking by this art gallery last night while I was wine drunk. I have to go in now.

[00:08:23]>> Annual hopeflation report just dropped and it is not looking good. Everything is more expensive almost everywhere.

[00:08:29]>> So yeah, now this girl who used to make $350,000 a month. Again, more than people will make in any given year outside of maybe selling their home at some point in time plus their salary during the course of their life. And now she's making videos about how she has to go to the coffee shop, look at other people ordering coffee because she can't afford it. Then she ends up going to these stores, look at other people buying stuff, do window shopping because again, she can't afford it. And she wants you to feel sympathetic for her because again, Tik Tok allegedly is the thing that screwed her over, even though again her sponsorships also dried up. And in addition to that, if you go to her YouTube channel, while she has a respectable 170,000 subscribers, her views are absolutely pitiful, which is obviously, as a YouTuber myself, not generating any income.

[00:09:20]>> I can um I'm going to do the math right now for the five shows that I've been to so far because it's it's atrocious. It's it's honestly embarrassing. Before I do this though, I need y'all to shut the I don't want to be judged, okay? From the time I was 11 years old, I was always very blessed with parents that could afford to, you know, send me to One Direction shows and they understood my need to go to so many shows. But I always told myself, I was like, when I am older and I have a big girl job and all this stuff, I'm going to spend that money on Harry concerts. And that's always what I wanted to do. That was always my plan. And I'm finally making that come true for myself. And so I'm very proud of myself. And I am grateful that I get to do this. um cuz it's all I've ever wanted. So, I'm going to do the math right now and I'll let you know in a second. This number is a little bit worse than I thought it was going to be.

[00:10:10]This is for the four tickets that I've gotten in LA so far. And then I went to the last night of Madison Square Garden.

[00:10:18]So, that ticket, the flight, the hotel, and all the parking at the forum, $7,198.

[00:10:26]I'm going to bed. I'm mortified. Um >> she has 5.1 million followers on Tik Tok. And yeah, the idea that she'd somehow lost conversion ability from directing her followers to her Only Fans because she can't directly link it doesn't make any sense at all whatsoever. And again, as somebody on this side of the camera, I can tell you guys me directing you to something is significantly more valuable than me having the passive links in the description. For instance, if I mention that I have PayPal and Venmo options during the course of my videos to which you guys can donate, many of you will go and donate via PayPal and Venmo because a lot of you will just be reminded that those exist. And by the way, that is not a plug. You don't have to donate money.

[00:11:12]The point is some of you will just based on the fact that I mentioned it in the video. Well, the same thing works for an OAF conversion. And when you have 5.1 million followers, you should be able to do that. But this girl does not take responsibility for her own actions. And again, she did not set herself up for success. Now, we have other dramatic examples of the problems that influencers have. And by the way, there are categories of influencers that appear destined to fail. I've seen a lot of people make wonderful videos on car influencers that essentially went broke because they kept spending money on cars. And because people want more and more and more dramatic stories, they always up the ante. So, they end up owing all this money in taxes and they're spending all this money on registration and insurance for all these vehicles. Even though, again, it's just an unsustainable business model. You keep putting more money in and you're getting diminishing returns. You should cut your losses. And that's why a lot of these different car influencers are also going bankrupt at this moment in time.

[00:12:14]But there's also the lifestyle inflation. There's also the LA mindset because a lot of influencers will leave their hometown. They'll go to LA for the opportunities. But rather than live frugally in Los Angeles or save huge chunks of what they make or invest huge chunks of what they make, they end up just inflating their lifestyle in order to match their friends, not realizing that all of these influencers that they're friends with are on the same trajectory, going to be broke in just a little bit of time due to the fact that they can't control their spending.

[00:12:46]>> Did y'all see that video of that girl asking how all the OG influencers were making $30 to $50,000 a month and now they're broke and ebagging on TikTok?

[00:12:53]like what happened to all that money?

[00:12:55]So, as somebody who accumulated over 2.5 million subscribers on YouTube back in 2015, and I was literally living in LA, so I witnessed a lot of this. I'm going to give you guys the breakdown on what happened with that money. I can't speak for everybody, obviously, but just what I've seen. When I moved out there, I thought I was pushing it with my $2,000 one-bedroom apartment, but I had people living in the same building just at the top floor. I was on the third floor, but they were at the top floor paying $20,000 a month. Then I had some friends that lived in mansions just for the sole purpose of wanting to be able to throw parties and have people come over and make content in there. Literally paying people's yearly salaries like 30 $40,000 a month just to rent this huge house. So for those of you that were also wondering like why do a lot of these influencers have big houses but they'reing empty? Not even joking. To get some good quality furniture in there, it's going to cost you like half a million dollars.

[00:13:43]>> So this is a YouTuber who says she reached 2.1 million subscribers back in 2015. And essentially the argument that she's making for why all these individuals are broke is because they're spending like absolute idiots. And you can hear the mindset that she has and how sensible it is, which is she felt like she was stretching it by living at an apartment that cost $2,000 a month that was a one-bedroom. But the thing is, other YouTubers in the building were renting the penthouse for 20 to 30k a month. And again, this is while they were pulling in like 50k or 60k and they thought it was never going to end. And just on taxes alone, like what you're going to spend on that in the state of California, that's absolutely crazy.

[00:14:26]That's madness. Obviously, you're setting yourself up for failure. And while yes, you can write off a certain portion of your expenses as a business owner, which content creators are technically classified as, the fact is you're still wasting money that you would be much better off paying taxes on now and investing in a Roth IRA or in a regular ordinary retirement or in a regular ordinary brokerage account in order to make sure that that wealth actually lasts you for the rest of your life. And the hope, by the way, is that it would last for your children's life when you actually end up starting a family. But these guys burning through it all. And again, I love this woman's mindset. She is very similar in her thought process to me. I've told you guys this before, but I'll say it again.

[00:15:10]While most people will tell you to spend no more than 30% of your income on rent or housing costs as a whole, me and the wife actually live in a place where we're spending less than 10% of our income on rent. And this is because we chose an area where the apartment is nice enough. It suits our needs, but it has no frills, no fancy amenities. It is not considered maybe the most ideal location, but it suits everything that we want to get out of an apartment, which for the most part was this second bedroom, so I could have a home studio.

[00:15:44]And if we need to change our apartment or move to a house at some point in time, we can use the difference in what most people spend on housing versus what we spend on rent here in order to save up for that down payment. again if we want to get to that point. But make no mistake about it, if I ever look at a house, I'm not going to buy a house that's at the top of my lending budget.

[00:16:06]I would buy a house that is within my means that one of me or my wife could pay the mortgage on her own because I know if I ever lose my income due to the instability of the content creation game, then guess what? We need to still pay the mortgage. We need to be responsible. We need to prepare for that. And I also, and I've said this before to everybody out there in the audience, have an aggressive investment strategy. I am fully funding my retirement each and every year. As a content creator, I get access to something called a solo 401k, which allows me to contribute both as the employer and as the employee. And on the employee side, I am trying to max that out each and every year. And then everything in addition to that, I put in on the employer side pending the laws and limits for that. And guess what? My portfolio isn't complicated. It's not crazy crypto schemes or anything of the sort. It is S&P 500 index funds, total market index funds, international index funds. And the reason for that is because I'm investing for the long term.

[00:17:07]I'm willing to sacrifice now an enjoyment and lifestyle at this moment in time in order to again make sure that in the future we're taken care of. And by the way, I also put money in a 529, which a lot of people were shocked by because I have no kids at this moment in time. Yes, you can do that. Just name yourself as the beneficiary to start out with, and then switch it after your child is actually born or when they get to the age where they might be going to college and they might want to access that money. But yeah, I do that in advance to let that compound to make sure if I have a child and that child wants to go to university that that is fully paid for and I've been planning for it since again before that child came into existence since before I was married because that's the long-term mindset that I operate under. And by the way, a lot of your favorite content creators that I talk to behind the scenes fall into very many of these pitfalls of expecting the money to never run out. And that's why you see content creators that get way more viewers than me, that have way more subscribers, that have way more supporters through memberships on their website. When things take a little bit of a downturn, when things start to get rough, what do they end up doing? They end up crowdfunding. They end up saying, "Hey, we're about to go bankrupt. Our company that we're invested in is going under unless you donate tens of thousands of dollars in the short term in order to cover those costs." You notice how I've never done a crowdfunding for those circumstances. And I got news for you guys. Ad rates, ad revenue on YouTube actually cut in half in 2021. And I didn't miss a beat. And the reason for that is because I produced more and I know that it's not on you to support me because I have poor financial planning.

[00:18:50]>> And don't even get me started on their Uber ego. It's like people reach a certain amount of followers and all of a sudden they can't use Uber X. Yeah, we can't pull up to this party in a Prius.

[00:18:58]order at Uber Black. Why would we spend $250 to pull up to a party when we could spend $19.99? Half the cars that you see these people whipping around are rentals and they're spending like $300, $500 a day just to whip it around and try to act like they're somebody they're not.

[00:19:12]Babe, just because you hit 200k doesn't mean you need to go and get a C300 for Mercedes. Like, it's okay. You can drive your paid off Toyota. Maybe one out of 10 of my friends actually cooked their meals at home. Everybody was constantly going out to eat or hiring private chefs. When you start making all this money, a lot of people tend to forget that it might stop one day. So, they're still going on these expensive vacations, buying all this designer, even if it's starting to dwindle because they literally got used to that lifestyle. Girl, when I tell you the second I had enough money to buy a property, I bought one. I could only tell so many story times and do so many get ready with me before people lose interest. Okay? I had to be realistic about it.

[00:19:47]>> Now, there's another thing that this woman brought up that I also think is absolutely crucial, which of course is cars. Cars. Cars. Cars. Now, we've talked about cars a number of times on this channel because my Honda Accord that was fully paid off ended up getting stolen and I had to get a new car. It's a whole thing. I was at a car dealership on January 6th. That's my alibi. Where were you on January 6th? I was at a car dealership trying to buy a car when the car dealer tried to tell me that frame damage wasn't serious damage. And even though I was angry, I didn't realize the level of anger I would have when I looked up and saw on the TV that our democracy was getting frame damage.

[00:20:22]Where were you January 6th? I was at a car dealership trying to buy a car.

[00:20:25]Where where were you? Well, guess what, guys? After I got my insurance check for that vehicle, which by the way paid me about $20,000 for the value of that Honda Accord, and this is due to the fact that used cars like Hond's went up in value after I bought it and then came back down in value to in and around the purchase price. I bought another car for myself. But I didn't buy a $50,000 car.

[00:20:48]I didn't even buy a $40,000 car. I bought something within my range that I could pay it off because I like the idea of having a car that's fully paid off more than having a car that everybody absolutely loves and is fawning over and thinks is a big flex for me to drive.

[00:21:04]And honestly, I think my biggest mistake was not buying an even cheaper SUV because if I want to have a family in the future, I want to have room for that family in the vehicle. And by the way, the car that I bought, not the most fuelefficient sedan, so that was a bit of an error on my part. But the thing is, these people buy $100,000 cars. And you know how many times I've seen that in the content creator space where they drive you around and it's a fun time.

[00:21:29]You enjoy it. You're thinking, "That's pretty awesome." But then you think about the purchase price of that vehicle and how that money could have been better spent. You think about the monthly payment that this content creator who can't be making more money than you or can't be making that much more money than you is actually putting into this car and you realize that yeah, these kind of habits are all over the content creation space. And by the way, they're even beyond the content creation space. You know, these people in your real life that are absolutely terrible with money. They just don't have the money to this scale in order to prove it to you in such a dramatic way. But how many of you out there in the audience know somebody who every single year is waiting on their tax return in order to make a big purchase? Now, you know they have debt. You know they're putting all kinds of stupid stuff on their credit card. But every single year they're like, "Oh, just wait for my tax return.

[00:22:22]Just wait for my tax money." And then when you go over to their house, you realize that they've updated their TV.

[00:22:28]They bought new leather furniture even though their previous couches were maybe like a year old. They bought a new dining room set, even though there was nothing wrong with their previous dining room set. They bought sneakers. They upgraded their car. They got into a new lease. They did all sorts of other crazy things with money that don't make any sense. And then a couple of months later, they're complaining to you that they're broke. And this is because money does not actually change who you are. It magnifies it. If you don't have that long-term mindset before you make a lot of money and you're not capable of learning it, guess what? you're going to express it on a dramatic scale. And that's what we're seeing with each and every one of these individuals that are going broke after making ungodly amounts of money. We're seeing their personalities be magnified. And then they end up having to cope with that reality. And because they're so self-centered and so shortsighted, they don't realize how good they had it. They don't realize that they're at fault. So, they end up begging you out there in the audience for money. Again, I told you a million times on this channel, my philosophy is all my problems are my own. I'm delivering you guys a service.

[00:23:37]I'm delivering you guys a product. That is these videos. If you enjoy them, that's great. I get paid. I do my job.

[00:23:44]But anything bad happens to me in my personal life. It's not on you. Much in the same way that if somebody who works at your grocery store gets into a car accident and totals their vehicle, it would be weird for them to put a bucket on the freaking counter when you're at checkout and say, "Hey, donate to my car fund. My car got total. What an absolute tragedy. Give me the money." Let me roll that Anakarian clip.

[00:24:07]>> Give me the money. Give you give me the money. Okay. And by the way, if you're another content creator that I've talked about finances with behind the scenes because everybody knows that's a friend of mine or an associate of mine that I will harass you about setting up your finances properly behind the scenes because that's the kind of guy that I am and that's how I operate. I will tell you to do your stuff right to get it fixed. know that it's a out of love and b if I reference a crazy purchase that you made, I am talking about you and not only you, but the other content creators that are following suit with what you're doing and have told me about that behind the scenes. Get your finances in order.

[00:24:44]And remember, I'm never going to respect you even a little bit if you upgrade to a $200,000 car. But if you have a fully funded retirement, if you're maxing out your Roth IRA, if you start saving for your child's education, whether that be after your child is born or before your child is born, that will be cool to me.

[00:25:02]That will be something that I will view as respectable. And by the way, for you guys out there in the audience, same rules apply. I want you to get a hold of your finances. I want you to do better.

[00:25:11]And by the way, I'm doing this in such a manner where I'm not selling you any products. There's no referral links. I just want you to do better for yourself.

[00:25:20]lowcost ETFs, lowcost index funds, grow your wealth over time. Don't end up like these absolute idiot content creators.

[00:25:27]And if you luck into money, if you win the lottery, remember you can make that last so much longer if you end up just investing it and living off the dividends, the interest gained from said investment rather than just spending it like it's not going to exist tomorrow.

[00:25:43]Because if you spend like that, guess what? It won't exist tomorrow. But you know what? Those are just my thoughts. I want to know what you guys think about all this down in the comments below. Are there influencers like Boogie2988 that I absolutely left out of this video that also went on a similar broke trajectory that you think I should discuss? What do you think about your financial habits?

[00:26:03]Does this make you want to actually figure out how to invest your money better so you don't have to be a broker?

[00:26:09]Again, all your thoughts down in the comments below. Please remember to subscribe for more content. Follow me on all my social medias. You can support me via the support links in the description of this video. This has been me talking about content creators going broke and deservedly so.